Changes to Electronic (ACH) Withdrawal Transactions

Effective September 15, 2017, DCECU will be implementing the National Automated Clearing House Association’s new ACH processing rules. This rule change allows merchants using ACH services to process your payment on the same day that they are authorized by you. This results in a faster payment system, which has great benefits when you are receiving a payment but also means that payments you make may clear your account sooner than they have before. This change also applies to all other financial institutions and merchants offering ACH services as well as all account holders receiving ACH transactions.

Below are some examples of ACH transactions that could be affected by this change:

  • Writing a check at a store or other retailer (due to the fact that the merchant may convert the check to an ACH transaction)

  • Paying your bills online or by phone if selecting to pay directly from your savings or checking account

What does this mean to you?

It is important to make sure that funds are available in your account before you make in-person, online or telephone payments to avoid incurring Non-Sufficient Fund (NSF) or Courtesy Pay fees. Checks should never be issued nor payments scheduled if sufficient funds are not available to satisfy the payment. Previously, ACH transactions could have taken 1-2 days to process; now, the same transactions may post the same-day on which you authorize them.

DCECU offers our members several easy-to-use tools to help manage your account and check your balances, such as:

  • Online banking
  • Mobile banking
  • Bill-pay
  • Alerts

If you have any questions, please stop by or call 800.835.7794.


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